WO2005048054A3 - Configurable stored value platform - Google Patents
Configurable stored value platform Download PDFInfo
- Publication number
- WO2005048054A3 WO2005048054A3 PCT/US2004/036927 US2004036927W WO2005048054A3 WO 2005048054 A3 WO2005048054 A3 WO 2005048054A3 US 2004036927 W US2004036927 W US 2004036927W WO 2005048054 A3 WO2005048054 A3 WO 2005048054A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- platform
- devices
- loyalty
- messages
- systems
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/346—Cards serving only as information carrier of service
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
Abstract
The platform supports a wide variety of merchants who are interested in a loyalty and/or value card products. The platform is an integrated set of software packages and tools that allows merchants to develop and offer loyalty award and payment products. The platform consists of a series of sub-systems that form the operating environment for the loyalty and payment products, collectively called common systems herein. These systems work together to customize and orchestrate product functionality. The platform processes real-time messages from devices, such as point-of-sale and CRIND/ICR/ICR (gas pump) devices, that are modified to work with the platform. The platform responds to the messages from the devices with a range of actions from approval of the pending purchase to addition of loyalty points into an account. In the case of the system-based service, messages are formatted according to defined standards so that they can be received by the platform. Other devices currently supported by the platform include Kiosk, IVR, API, and Web. New modules may be added to the platform that allow it to accept translations in any data format.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/705,160 | 2003-11-06 | ||
US10/705,160 US20040181453A1 (en) | 2002-11-06 | 2003-11-06 | Configurable stored value platform |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2005048054A2 WO2005048054A2 (en) | 2005-05-26 |
WO2005048054A3 true WO2005048054A3 (en) | 2006-07-27 |
Family
ID=34590755
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2004/036927 WO2005048054A2 (en) | 2003-11-06 | 2004-11-04 | Configurable stored value platform |
Country Status (2)
Country | Link |
---|---|
US (1) | US20040181453A1 (en) |
WO (1) | WO2005048054A2 (en) |
Families Citing this family (72)
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-
2003
- 2003-11-06 US US10/705,160 patent/US20040181453A1/en not_active Abandoned
-
2004
- 2004-11-04 WO PCT/US2004/036927 patent/WO2005048054A2/en active Application Filing
Patent Citations (4)
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US20030200172A1 (en) * | 2000-05-25 | 2003-10-23 | Randle William M. | Dialect independent multi-dimensional integrator using a normalized language platform and secure controlled access |
US20030009382A1 (en) * | 2001-06-12 | 2003-01-09 | D'arbeloff Matthew A. | Customer identification, loyalty and merchant payment gateway |
US20030144935A1 (en) * | 2002-01-30 | 2003-07-31 | Sobek Michael F. | Methods and systems for processing, accounting, and administration of stored value cards |
Also Published As
Publication number | Publication date |
---|---|
US20040181453A1 (en) | 2004-09-16 |
WO2005048054A2 (en) | 2005-05-26 |
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